The average cost of auto insurance in Washington for 2010 is $1,665. This rate is higher than the national average, which is $1,578.
When you think about the average cost of car insurance, keep in mind that individual drivers may pay more or less than this amount for their coverage. Insurance companies set their own criteria for evaluating applicants, and the price can vary greatly depending on the company involved.
The insurance company’s underwriters try to determine the likelihood that a policyholder will make a claim when determining rates. An applicant who is deemed more likely to make a claim is more risky to insure. The higher level of risk that an applicant presents, the higher the rate that the insurance company will charge.
One thing that a car insurance applicant can do to present a lower level of risk is to maintain a good driving record. Insurance companies look at a person’s past driving history as a way to predict their future conduct.
Taking a driver’s education class or a defensive driving course can also help to present a person as a lower risk for insurance purposes. If you are considering taking this step, check with your insurance company to find out which course it recognizes and ask how providing proof of completion of the program will affect your rates.